Arrha Credit Union West Springfield MA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Arrha, your trusted financial partner located at 63 Park Avenue, West Springfield, MA 01089. Since our establishment in 1929, we have proudly served our community by providing a variety of financial services designed to meet the needs of our 9,643 members. Our commitment to you is reflected in our robust financial standing, with total assets reaching an impressive $150,459,324 and total deposits amounting to $7,405,960. At Arrha, we understand that each member's journey is unique. That's why we offer tailored solutions including personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, and even credit cards with rewards. For businesses, we provide essential services such as merchant services and business loans. No matter your financial needs, our dedicated team is here to help you navigate them with confidence. Under the leadership of our CEO Michael Ostrowski and Board President Todd Cieplinski, our team of 27 employees works diligently to ensure you receive personalized service. We are proud of our strong net worth of $13,184,679, which showcases our stability and ability to support your financial goals. While members can visit us at our branch location for face-to-face assistance during lobby hours from Monday to Friday, 9 AM - 5 PM (and drive-thru service available from 7:30 AM), we also offer online banking services for your convenience. We invite you to experience the Arrha difference. Whether you're looking for guidance on loans or simply want to open a new account, don't hesitate to reach out! Call us today at 413-562-4092 or explore more about what we offer on our website: http://www.arrhacu.com. Your financial success is our priority!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become part of the Arrha family. Experience firsthand how we can help you achieve your financial goals while making a positive impact in our community. For more information about membership and services, please visit our website or call us at 413-562-4092. Together, let's build a brighter tomorrow!

Our Journey

From our humble beginnings, Arrha has evolved into a trusted partner for individuals and families seeking financial stability and growth. We've witnessed significant changes in the financial landscape, yet our mission has always remained steadfast: to empower our members by providing personalized banking solutions while supporting our local community. Our branch is equipped with modern facilities, including ATM availability and drive-thru banking services for added convenience. We take pride in being ADA compliant, ensuring that all members have access to our services without barriers. Whether it's personal banking or business loans, we are dedicated to meeting your needs with care and expertise.

Our Mission Statement

At Arrha, we believe in the power of community. Our mission is not only to offer competitive financial products but also to foster relationships built on trust and mutual support. We aim to create financial opportunities for everyone we serve while actively participating in community outreach programs that uplift those around us. While members can visit us at 63 Park Ave, official correspondence should be sent to our mailing address at 63 Park Avenue, West Springfield, MA 1089. Our friendly staff is here to assist you during our operating hours from Monday through Friday, 7:30 AM - 5:00 PM for drive-up services and until 5:00 PM for lobby hours.

Branch Location & Accessibility

Welcome to Arrha, your friendly neighborhood credit union located at 63 Park Avenue in West Springfield, MA! We are dedicated to serving our members with accessible banking solutions right in the heart of Hampden County. Our branch is conveniently situated near popular landmarks, making it easy for you to stop by while running errands or enjoying a day out in the community. At Arrha, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. Parking is available nearby, allowing you to access our services without any hassle. Our doors are open Monday through Friday, with lobby hours from 9 AM to 5 PM and drive-thru service starting as early as 7:30 AM until 5 PM. Whether you prefer coming inside or using our drive-thru for quick transactions, we are here to meet your banking needs. For added convenience, we also offer ATM services right at our location. You can easily access cash or check your balance any time of day! If you need assistance or have questions about our offerings like personal banking accounts, auto loans, or credit cards don't hesitate to call us at 413-562-4092. While members can visit us at 63 Park Avenue for all their banking needs, official correspondence should be sent to the same address. We look forward to welcoming you into our branch soon!

Member Eligibility

Welcome to the Arrha community, where we believe that everyone deserves access to personalized financial services. Becoming a member of Arrha is simple and open to many! If you live, work, or worship in Hampden County, you're already on your way to joining us. Additionally, family members of current Arrha members can also apply. This means that whether you're looking for a friendly place to manage your savings or seeking loans that fit your lifestyle, you'll find it here at Arrha. For more detailed information about eligibility, feel free to check out our website at http://www.arrhacu.com/become-a-member. Opening an account with us is an easy process designed with you in mind. You can get started by visiting our branch located at 63 Park Ave, West Springfield, MA 01089, or simply give us a call at 413-562-4092. We are excited to welcome you into our community and help you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced world, how you accept payments can make all the difference. Our merchant services provide easy and efficient payment processing solutions, allowing you to focus on what matters most growing your business. From point-of-sale systems to mobile payment options, we ensure that your customers have a seamless experience. Located at 63 Park Ave, West Springfield, MA 01089, we're here to partner with you every step of the way. Let us help turn your business dreams into reality! Reach out to us at 413-562-4092 for more information on how we can assist you.

Tailored Loan Options

Imagine having access to the capital you need just when you need it. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $42 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $11,641,800, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we have specialized services just for you! Our business banking solutions include merchant services and business loans that can help your enterprise thrive. Whether you're looking to expand or simply manage daily operations more efficiently, we're here to support your journey.

Drive-Thru and ATM Services

For those quick transactions, take advantage of our basic drive-thru banking where deposits and withdrawals can be done swiftly without leaving your vehicle. Our ATM services also ensure that cash is always within reach whenever you need it. At Arrha, we prioritize making banking straightforward and accessible for all our members. If you're ready to explore how we can assist you further or if you have any questions about our services, don't hesitate to reach out! Call us at (413) 562-4092 or visit us today at 63 Park Avenue your financial journey starts here!

Loans and Credit Options

Life can bring unexpected expenses, and when it does, our personal loans and debt consolidation options can help you regain control over your finances. Picture a smoother path to financial freedom as we guide you through consolidating existing debts into one easy payment. Additionally, our credit cards come with rewards that allow you to earn while you spend, making every purchase worthwhile.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Arrha offers robust online and mobile banking features. You can easily check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with ATM access available for cash withdrawals and balance checks, managing your finances has never been easier.

Personal Banking Solutions

We offer a variety of personal banking options that make managing your money easy. Whether you're looking for checking and savings accounts, or need assistance with auto loans and vehicle financing, we've got you covered. Imagine driving off in your dream car, knowing you have a manageable loan from us that fits your budget perfectly. For those considering homeownership or looking to refinance, our mortgage loans provide flexible terms designed just for you.

Digital & Online Banking

Key Features

You can start exploring these services right away at http://www.arrhacu.com/. Our 24/7 online banking allows you to check balances, pay bills, and transfer funds without ever stepping foot in a branch. Plus, for those who prefer the convenience of their smartphones, our mobile application provides all the essential features right at your fingertips. Need to send money to a friend or family member? Our person-to-person transfer option makes it simple and fast. Just a few taps, and the money is on its way! While we currently don't offer mobile payments, our secure online banking gives you peace of mind knowing that your transactions are protected.

Security and Accessibility

Security is always a priority at Arrha. We ensure that your information remains safe while providing a user-friendly experience. Although we do not utilize electronic signature authorization at this time, our platform is designed with your safety in mind. Additionally, e-statements are available to help you stay organized and reduce paper clutter. This feature allows you to view your statements online whenever you need them, making it easier than ever to manage your accounts. In short, whether you're checking your balance during lunch or transferring money after hours, Arrha offers the digital banking tools you need for effective account management. Join us today and experience the ease of modern banking!

Financial Strength

At Arrha, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on our robust financial health, which allows us to serve our community effectively. With a net worth of $13,184,679, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $876 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $34,632,094 in share certificates and $6,332,265 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $10,846,942, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We also have $13,171,160 in undivided earnings, allowing us to reinvest in innovative banking tools and stronger lending options to serve our members better. With $2,296 in used auto loans and $110,531,150 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $-50,288, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 25 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $1,372,969. Total Share and Deposit Accounts: 13,445, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Arrha is your trusted partner. Visit us at 63 Park Ave West Springfield Ma 01089 or call (413) 562-4092 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the most competitive rates in the industry. We currently have over $8,858,181 in used vehicle loans and $2,391,000 in new vehicle loans already helping members get on the road. No matter if you're purchasing a brand-new vehicle or a reliable used one, our financing options can help make it happen.

Business Financing

For business owners looking to expand or grow their operations, our outstanding commercial loans totaling $11,641,800 provide the capital needed to support your business goals. We are here to help you succeed.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $15,559,113. We strive to make buying or refinancing simple and straightforward so you can settle into your new home with confidence.

Refinancing and Eligibility Options

If you're considering refinancing any existing loans or want to explore eligibility options for our various products, our team is ready to assist you every step of the way. You can reach us at 413-562-4092 for more information about our loan offerings or visit us at our branch. Our operating hours are Monday through Friday from 9 AM to 5 PM for lobby service and from 7:30 AM to 5 PM for drive-up service. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Arrha Credit Union, we prioritize transparency and aim to empower our members with the financial tools they need for success.

Unsecured Credit Card Loans

Managing finances can be challenging at times. That's why we also offer flexible terms on unsecured credit card loans, with a total of $494,500 in loans assisting members effectively navigate their financial responsibilities.

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